Answers · UK 2025/26
How much can you put in an ISA in 2026/27?
The annual ISA subscription limit for 2026/27 is £20,000 per person. This can be split across a Cash ISA, Stocks & Shares ISA, Innovative Finance ISA, and Lifetime ISA (maximum £4,000 of the £20,000 in a LISA). The Junior ISA limit is £9,000. Unused allowance cannot be carried forward.
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UK ISA allowances 2026/27. The total annual ISA subscription limit is £20,000 per adult per tax year (6 April to 5 April). It has been frozen at £20,000 since 2017/18 — nine consecutive tax years — meaning its real value has declined significantly with inflation. How the £20,000 can be split: Cash ISA — any amount up to £20,000; Stocks & Shares ISA — any amount up to £20,000; Innovative Finance ISA — any amount up to £20,000; Lifetime ISA (LISA) — maximum £4,000/year (the government adds a 25% bonus, up to £1,000/year). All these must add up to no more than £20,000 combined. You can now pay into multiple ISAs of the same type with different providers in the same tax year (rule changed April 2024). Junior ISA (JISA) for children under 18: separate limit of £9,000/year — parents/guardians can contribute, child controls from age 16 and accesses from 18. Help to Buy ISA: closed to new openers, but those with existing accounts can still contribute up to £200/month until November 2029. Unused ISA allowance is lost at end of the tax year on 5 April — there is no carry-forward facility, unlike the pension Annual Allowance.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.